Working with and leading a team of experienced and highly regarded Credit professionals servicing the Victorian Middle Markets commercial business for Bendigo and Adelaide Bank and its controlled subsidiaries including Delphi Bank, Private Bank and Sandhurst Trustees. Supporting the utilisation of innovative and creative solutions to maintain balanced transaction approvals. Delivering exceptional customer service and maintaining responsibility for a collaborative approach to credit risk management in partnership with internal and external stakeholders.

The Compliance and Risk Manager is a short-term assignment involved in reviewing and restructuring the governance and risk compliance framework for independent Schools in Melbourne.

The Business Operations Manager is primarily responsible for assisting with the management of all matters related to the non-teaching activities of the School's operations.The position provided the opportunity to direct the operational developments of a School which has experienced high growth in student numbers and undergone a significant capital development program. In this role, I was able to demonstrate effective leadership and management of a direct team comprising 18 FT and PT staff with further leadership responsibility for a casual workforce of up to 60 staff across a very diverse portfolio.This role also has operational responsibility for the School's commercial tenders program, which under my management achieved both financial and operational improvements.My experience in building trust, loyalty and shared outcomes provided measurable value for the School and its community.

As Credit Executive/Associate Director this role exercises joint approval authority where my role was to initiate, develop and control sector-specific credit and risk management work practices for the Government, Education and Community business unit. This included providing leadership in improving credit standards, setting risk appetite, portfolio management, structuring transactions, training & leadership group participation as well as maintaining and enhancing asset quality through identification and resolution of major credit risks whilst developing a positive and constructive working relationship with business partners. • Instrumental in shifting cultural expectations and initiating strategic collaboration for a diverse stakeholder group through bringing the credit decision maker to the client as an accepted way of doing business.• Introducing education industry comparative data analytics as seen from a financier’s lens to clients and prospects as well as specialist industry consultants. • Participation in the deal team that constructed the financial arrangements supporting the formation of a syndicated not-for-profit Early Learning Centre, now Australia’s largest charitable early learning provider and with an impressive 10+ years solid track record. • Significant contribution to the growth in business for the Bank’s Government, Education and Community specialist business division from formative stages to what is now a vertically integrated national business with representation in all major capital cities, specialist staff, a significant volume of client relationships and a vast financial footprint.• Ownership of the due diligence and credit assessment process for Government exposure together with presentation to the Bank’s Transactional Credit Committee (CEO and EGM). • Successfully led credit approval of senior debt underwriting and structuring for major transactions in funded lines, Domestic Bond first releases in the sector and USPP capital raising.

BNZA provided boutique financial solutions to clients nationally with heavy representation in property and related industries. As the Senior Credit & Risk Manager, I exercised joint approval authority. • Recognised for people leadership capabilities and was seconded into people leadership roles, managing teams of up to 10. • Successfully led the negotiations and approval of credit lines for new entrant listed property and investment trusts. • Effectively provided credit and risk support for the Bank’s fastest growing sector.

As the Senior Credit Manager, this role covered commercial funding transactions at the top end of corporate and business banking for clients nationwide and industries ranging from manufacturing to professional service firms. I was responsible for joint approval authority and preparing recommendations for the Australian Credit Committee. • Selected for the Australian and New Zealand Expert Panel responsible for re-setting the Bank’s customer rating and risk scoring model. • Influential in successfully negotiating Highly Leveraged Transaction funding for start-up operations and management buy-outs (sub investment grade).

This unit is charged with maintaining and enhancing credit quality for the National’s domestic agricultural business segment (Australian market leader). I was responsible for combined approval authority and for preparing recommendations for the Head of Agribusiness Credit Australia and Head of Credit Risk Management Australia. • Proven capability in taking on a new challenge, adapting easily to new agribusiness industry through individual development and specialist skill acquisition. • Recognition award from the General Manager – Agribusiness for service in approval of significant new and expanded customer relationships.

In the role of Relationship Manager, I was accountable for the Bank’s upper end of the mid-market and small capped companies within the Major Client Group. This multifaceted role involved dedicated responsibility for a portfolio of clients, driving customer satisfaction and retention in conjunction with improving the Bank’s share of wallet, developing new business opportunities and training and supervision of support staff. • Leveraged Equity transaction for an existing client entering the small capped segment. • Recognition award from the General Manager – Business Financial Services for excellence in customer service and initiative.

As the Business Banking Manager I was responsible for managing a portfolio within the small business segment with a vast client base and funding. • Successfully established and maintained customer relationships through understanding of the business, as well as ensuring improvement in the Bank’s share of wallet for existing clients and leading new business development opportunities.

As the Business Development Manager I was responsible for sourcing and developing new business opportunities for the small business segment, which I achieved through building and sustaining a high performance referral network and maintaining high levels of staff engagement through teamwork with business partners. • Exceeded annual sales target, highest performing Business Development Manager in metropolitan Melbourne.

Commencing as part of the NAB’s Graduate Program, I quickly built a strong foundation of skills and knowledge in the banking and finance industry. Upon successfully completing the Graduate Program, I then held various Lending roles throughout the bank and continued to build up my skills and reputation as a significant contributor to both the team and the organisation.